中国式支付”在全球成功逆袭无现金交易引领潮流 

中国新闻网2018-02-06 09:23:32800评

 全球5亿人使用中国移动看全球5亿人使用中国移动支付

如今，越来越多的中国人喜欢通过出国旅行的方式陪家人度过春节假期。

对于海外各地而言，中国人的到来不仅带来了消费需求，

更带来了以移动互联网和电子钱包为基础的“中国式支付”。

分析人士指出，中国改革开放初期，

银行卡、信用卡等国外支付方式通过广东等沿海地区传到中国；

现在，则是微信红包、支付宝等“中国式支付”引领全球消费者支付潮流。

这“一进一出”之间，

既体现了中国对外开放不断加深的格局，也反映出中国经济发展质量和整体实力已今非昔比。

Chinese-style payment" has successfully countered the trend of cashless transactions in the world.

China News Network 2018-02-06 09:23:32800 Review

  500 million people around the world use China Mobile to watch 500 million people worldwide use China Mobile Payment

Today, more and more Chinese people like to spend the Spring Festival holiday with their families by traveling abroad.

For overseas countries, the arrival of Chinese people not only brings consumer demand,

It also brings "Chinese-style payment" based on mobile Internet and electronic wallet.

Analysts pointed out that in the early days of China’s reform and opening up,

Foreign payment methods such as bank cards and credit cards are transmitted to China through coastal areas such as Guangdong;

Now, it is the “Chinese payment” such as WeChat red envelope and Alipay, which leads the global consumer payment trend.

This "between one in and one out",

It not only reflects the pattern of China's opening up to the outside world, but also reflects the fact that China's economic development quality and overall strength have not been the same.

行业地位快速上升

“中国旅游业的显著增长让我们意识到，我们必须迅速行动。

与支付宝结盟，是我们向前迈出的重要一步。

这将增加以色列企业的客户，并让他们进入一个新的市场。”

以色列信用卡公司首席执行官多龙·萨皮尔说。

2018年1月底，支付宝宣布进入以色列，正式将移动支付服务带到中东地区。未来，以色列的知名航空公司、珠宝店、连锁免税店都将可以用支付宝付款。

而这，成为了“中国式支付”走向海外的又一个最新脚印。

在很长一段时间里，中国在支付领域都处于“跟跑”模式。

1949年的一天，美国商人弗兰克·麦克纳马拉在纽约一家饭店就餐时发现自己没带钱包，不得不打电话叫妻子带着现金来饭店结账。

随后，他产生了设计一种能够证明身份及具有支付功能卡片的想法并创立了大莱信用卡公司，无现金支付方式便由此诞生。

改革开放之后，中国大胆引进外国先进科学技术和管理经验，

信用卡这一国际流行的支付工具也登录中国，并得到较快的发展。

1979年，中国银行广东省分行首先与香港东亚银行签订协议，开始代理东亚信用卡业务，信用卡从此进入了中国大陆。

1986年6月，中国银行北京分行发行了长城信用卡，不仅填补了我国金融史册上的一项空白，

而且标志着中国传统的“一手交钱、一手交货”的支付方式开始发生重大变革。

由此开始，以银行信用为依托的支票、银行本票、汇票以及银行卡等非现金支付工具逐渐取代现金并普及应用。

随着计算机技术的发展特别是移动互联网和智能手机的普及，

中国线上电子商务发展迅猛，

与之相对应的第三方支付、二维码支付等全新移动支付方式在中国实现了蓬勃发展。

Industry status is rising rapidly

"The remarkable growth of China's tourism industry has made us realize that we must act quickly.

Forming an alliance with Alipay is an important step forward for us.

This will increase the number of customers of Israeli companies and allow them to enter a new market. ”

Israeli credit card company CEO Doron Sapir said.

At the end of January 2018, Alipay announced its entry into Israel and officially brought mobile payment services to the Middle East. In the future, Israel's well-known airlines, jewelry stores, and chain duty-free shops will be able to pay with Alipay.

This has become another latest step in the "Chinese-style payment" going overseas.

For a long time, China has been in the “follow-and-run” mode in the payment field.

One day in 1949, American businessman Frank McNamara found himself without a wallet when dining at a restaurant in New York. He had to call his wife to bring cash to the hotel to check out.

Subsequently, he came up with the idea of designing a card that can prove identity and have a payment function and created the Diners Club credit card company, and the cashless payment method was born.

After the reform and opening up, China boldly introduced foreign advanced science and technology and management experience.

Credit card, an internationally popular payment instrument, is also registered in China and has developed rapidly.

In 1979, the Bank of China Guangdong Branch first signed an agreement with the Bank of East Asia, and began to act as an agent for the East Asian credit card business. Credit cards have since entered the Chinese mainland.

In June 1986, the Bank of China Beijing Branch issued the Great Wall Credit Card, which not only filled a gap in China’s financial history.

Moreover, the payment method that marked the traditional Chinese “hands-on, one-handed delivery” began to undergo major changes.

Since then, non-cash payment instruments such as checks, bank drafts, money orders, and bank cards, which rely on bank credit, have gradually replaced cash and popularized applications.

With the development of computer technology, especially the popularity of mobile internet and smart phones,

China’s online e-commerce is developing rapidly.

The new mobile payment methods, such as third-party payment and QR code payment, have flourished in China.

相关数据显示，中国移动支付市场规模最近4年间增长了近20倍；截至2017年10月底，我国移动支付交易规模近150万亿元，居全球首位。

独立支付业务运营商Worldpay在其发布的年度《全球支付报告》中预计，到2021年，中国电子商务市场将增长11%，稳居全球电子商务市场之首。

“由于消费者在进行线上购物时更渴求多样化的支付方式，

中国再次引领了全球新趋势。

信用卡、借记卡等传统选项正淡出人们视野，

而电子钱包、银行转账等方式日益兴起。”

Worldpay中国区总经理陈国山说。

如今，在欧美、日韩、东南亚等全球数十个国家和地区的线下商户门店，“中国式支付”的范围几乎可以涵盖餐饮、超市、便利店、主题乐园、休闲等各类吃喝玩乐消费场景。

Relevant data shows that the scale of China's mobile payment market has increased nearly 20 times in the past four years; as of the end of October 2017, China's mobile payment transactions amounted to nearly 150 trillion yuan, ranking first in the world.

In its annual Global Payment Report, Worldpay, the independent payment service operator, predicts that by 2021, China's e-commerce market will grow by 11%, ranking first in the global e-commerce market.

“Because consumers are more eager for a variety of payment methods when making online purchases,

China has once again led the new global trend.

Traditional options such as credit cards and debit cards are fading away.

E-wallets, bank transfers, etc. are on the rise. ”

Chen Guoshan, general manager of Worldpay China, said.

Nowadays, in the offline merchant stores in dozens of countries and regions in Europe, America, Japan, South Korea, Southeast Asia, etc., the scope of “Chinese-style payment” can cover almost all kinds of food, drink and entertainment such as restaurants, supermarkets, convenience stores, theme parks and leisure. Scenes.

根植中国经济活力

其实，早在上世纪90年代，

二维码支付技术就已经形成，

其中韩国与日本是使用二维码支付比较早的国家。

那么，为何二维码支付能够成为“中国式支付”的标志并走向全球呢？

需要看到，现代货币属于信用货币，

其相对应的支付方式也必须要有强大的信用支撑才行。

经过多年的改革开放，

中国经济总量已经稳居世界第二，

经济增长贡献率世界第一，

民众消费活力和市场体量十分庞大。

二维码等移动支付方式乘着电子商务的东风率先在中国快速发展，

在快速扩大用户基础的同时实现了行业的信用积累，

从而成为了具有时代特征的“中国式支付”，

并进而阔步走向世界成功逆袭。

国家发改委国际合作中心首席经济学家万喆在接受本报记者采访时表示，

“中国式支付”能够兴盛起来并传到海外，

与中国在国际贸易中地位提高、

人民币国际化程度加深、

金融监管及时到位、

互联网基础设施迅猛发展等诸多因素相关。

但归根到底，“中国式支付”的壮大出海根植于中国经济活力。

Rooted in China's economic vitality

In fact, as early as the 1990s,

Two-dimensional code payment technology has been formed.

Among them, South Korea and Japan are countries that use the QR code to pay earlier.

So why is QR code payment a sign of “Chinese payment” and going global?

Need to see that modern currency is a credit currency,

The corresponding payment method must also have strong credit support.

After years of reform and opening up,

China’s economic aggregate has already ranked second in the world.

The contribution rate of economic growth is the highest in the world.

The consumption of the people and the market volume are very large.

Mobile payment methods such as two-dimensional code take the lead in e-commerce and develop rapidly in China.

Realizing the credit accumulation of the industry while rapidly expanding the user base.

Thus, it has become a "Chinese-style payment" with the characteristics of the times.

And then strode to the world's successful counterattack.

Wan Hao, chief economist of the International Cooperation Center of the National Development and Reform Commission, said in an interview with this reporter.

“Chinese-style payment” can flourish and spread overseas.

And China’s status in international trade,

The degree of internationalization of the renminbi has deepened,

Financial supervision is in place,

The rapid development of the Internet infrastructure is related to many factors.

But in the final analysis, the growth of "Chinese-style payment" is rooted in China's economic vitality.

“首先，随着经济发展与开放扩大，中国的对外贸易水平不断地提高，

商品种类、贸易结构、出口金额、结算规则等方面都有了很大的全球影响力，从而构成了‘中国式支付’走向海外的经济基础。

其次，随着中国整体经济实力的提升及中国企业不断‘走出去’，

人民币国际信用和国际地位也不断提高，

这为‘中国式支付’走向全球提供了坚实的货币清算基础。

最后，中国过去在金融及通讯基础设施方面落后于国外，

因此银行卡、信用卡、POS机等上一代电子支付是由国外向国内流入。

随着基础设施完善与民众生活水平提高，中国在移动支付领域实现了弯道超车，并开始引领海外。”万喆说。

与此同时，政策层面的支持与规范在这一过程中亦不容忽视。

例如，为促进移动支付行业健康发展，中国人民银行2017年底专门印发了《条码支付业务规范（试行）》和《条码支付受理终端技术规范（试行）》，

同时公布了若干具体要求。

比如，在准入资质方面，

新规明确支付机构向客户提供基于条码的付款服务时应取得网络支付业务许可；

在防止信用卡套现方面，

新规要求以同一个身份证件在同一家收单机构办理的全部小微商户，

其基于信用卡的条码支付收款金额日累计不超过1000元、

月累计不超过1万元。

中国人民大学重阳金融研究院高级研究员董希淼认为，

中国的移动支付在2016年在笔数上就已经超过了互联网支付，

成为零售支付的重要支撑。

这与近年来跨境贸易与人员往来非常频繁有关。

作为金融开放的重要一环，

未来中国监管层面还需要进一步参与支付行业的国际治理。

. "First of all, with the expansion of economic development and opening up, China's foreign trade level continues to increase,

Commodity types, trade structure, export amount, and settlement rules all have great global influence, which constitutes the economic basis for ‘Chinese-style payment’ to go overseas.

Second, as China’s overall economic strength improves and Chinese companies continue to “go out”,

The international credit and international status of the renminbi are also constantly improving.

This provides a solid basis for currency clearing for ‘Chinese-style payments’ going global.

Finally, China used to lag behind abroad in financial and communication infrastructure.

Therefore, the previous generation of electronic payment such as bank cards, credit cards, and POS machines was flown from abroad to China.

With the improvement of infrastructure and the improvement of people's living standards, China has achieved overtaking in the field of mobile payment and has begun to lead overseas. Said Wan Hao.

At the same time, policy support and regulation cannot be ignored in this process.

For example, in order to promote the healthy development of the mobile payment industry, the People's Bank of China issued the "Bar Code Payment Service Specification (Trial)" and "Bar Code Payment Acceptance Terminal Technical Specification (Trial)" at the end of 2017.

A number of specific requirements were also announced.

For example, in terms of access qualifications,

The new rules stipulate that payment agencies should obtain online payment service licenses when providing barcode-based payment services to customers;

In preventing credit card cashing,

The new regulations require all small and micro businesses that are handled by the same identity card at the same acquiring institution.

The credit card-based payment payment amount is not more than 1,000 yuan.

The monthly total does not exceed 10,000 yuan.

Dong Xiwei, senior researcher at Chongyang Financial Research Institute of Renmin University of China, believes that

China’s mobile payments have surpassed Internet payments in 2016.

Become an important support for retail payments.

This is related to the frequent cross-border trade and personnel exchanges in recent years.

As an important part of financial openness,

In the future, China's regulatory level will need to further participate in the international governance of the payment industry.

有利加深经贸互动

来自世界银行的数据显示，

目前发展中国家尚有20亿人没有银行账户，

仅10%的人持有信用卡，

有贷款需求的人中仅21%通过正规金融机构获得贷款。

东盟国家超过6.8亿人口，

其中3.6亿人口迄今无法获得基础的银行服务。

由此可以看出，

“中国式支付”出海目前更多依赖中国客商在海外交易带动，

未来在服务当地消费者方面仍然有巨大潜力，

也有很长的路要走。

例如，印度是个电影大国，举家看电影是印度人的重要娱乐方式。

印度民众看电影的习惯，长期以来都是先到电影院，当场选电影和场次，排队买票，然后等上一两个小时入场。

后来，蚂蚁金服建议印度有关企业拓展在线购买电影票功能，对方一度觉得这样行不通，认为印度人更喜欢到电影院临时排队购票，享受一种惊喜感。

但蚂蚁金服坚持认为，随着印度经济的发展和中产阶层的崛起，便捷性和时间将越来越成为稀缺品。

后来的事实证明，来自中国的在线支付模式在印度落地一个月的时间内，就有1/6的电影票通过网上销售掉了。

2017年，世界经济复苏好于预期，国际市场需求回暖。

根据世界贸易组织统计数据，去年前三季度全球70个主要经济体，货物贸易合计出口值同比增长9%以上，贸易增势明显。

与此同时，我国2017年货物贸易进出口总值27.79万亿元人民币，

比2016年增长14.2%。

这意味着，在世界经贸缓慢回暖的背景下，

“中国式支付”也将有更多用武之地。

“基于移动互联网的支付在中国的发展非常迅速，

甚至超过很多发达经济体。

在此背景下，中国依然坚定不移地基于技术、金融、创新及自身所处的经济发展阶段，

坚持对外开放，坚持构建人类命运共同体。

这也有利于其他国家接受‘中国式支付’的传入。”万喆说。

万喆进一步指出，

未来“中国式支付”在世界的普及对于中国对外开放也有很大的好处，

有利于中国服务贸易、金融技术及消费文化的推广，

同时加深人民币国际化进程与进度。

万喆建议，“中国式支付”在世界要想走得更远，

一方面，要把握好一个度，

注意其他贸易伙伴在安全隐患上的顾虑，

坚持以民间为主、以市场需求为主，顺其自然地发展；

另一方面，支付企业也要注意社会责任，

同时国家也应该出台相关法律法规让市场的秩序更为成熟完善。

Conducive to deepen economic and trade interaction

Data from the World Bank show that

There are still 2 billion people in developing countries who do not have bank accounts.

Only 10% of people hold credit cards.

Only 21% of those with loan needs receive loans through formal financial institutions.

More than 680 million people in ASEAN countries,

Of these, 360 million people have so far been unable to obtain basic banking services.

It can be seen from this that

“Chinese-style payment” is now more dependent on Chinese merchants to trade overseas.

There is still great potential for serving local consumers in the future.

There is also a long way to go.

For example, India is a big movie country, and watching movies at home is an important entertainment method for Indians.

The habit of Indian people watching movies has long been to the cinema, choose movies and games on the spot, queue up to buy tickets, and then wait for an hour or two to enter.

Later, Ant Financial recommended that Indian companies expand their online ticket purchase function. The other party once felt that this would not work. They thought that Indians prefer to go to the cinema to queue up for tickets and enjoy a sense of surprise.

But Ant Financial insists that with the development of the Indian economy and the rise of the middle class, convenience and time will become increasingly scarce.

Later, it turned out that one-six movie tickets were sold online through the online payment model from China within a month of landing in India.

In 2017, the world economic recovery was better than expected, and international market demand picked up.

According to the statistics of the World Trade Organization, in the first three quarters of last year, the world's 70 major economies, the total export value of goods trade increased by more than 9% year-on-year, and the trade growth was obvious.

At the same time, the total value of China's import and export of goods in 2017 was 27.79 trillion yuan.

It is 14.2% more than 2016.

This means that in the context of the slow recovery of world economic and trade,

"Chinese-style payment" will also have more use.

“Mobile Internet-based payments are growing very rapidly in China,

Even more than many advanced economies.

In this context, China remains unwaveringly based on technology, finance, innovation and the stage of economic development in which it operates.

Adhere to opening up to the outside world and persist in building a community of human destiny.

This is also conducive to other countries accepting the introduction of 'Chinese payment'. Said Wan Hao.

Wan Hao further pointed out that

The popularity of "Chinese-style payment" in the world will also be of great benefit to China's opening up to the outside world.

Conducive to the promotion of China's service trade, financial technology and consumer culture,

At the same time, the process and progress of the RMB internationalization will be deepened.

Wan Hao suggested that "Chinese-style payment" should go further in the world,

On the one hand, we must grasp a degree,

Pay attention to the concerns of other trading partners about safety risks,

Adhere to the principle of the people, focus on market demand, and develop naturally;

On the other hand, payment companies should also pay attention to social responsibility.

At the same time, the state should also introduce relevant laws and regulations to make the market order more mature and perfect.